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Re: What is the best meal you've had at a restaurant?

OldOne wrote:Chicken fried steak at Mel's Country Kitchen in Tomball.


Been there! While I am having difficulty coming up with the best meal at a restaurant EVER, I would have to say this ranks as the best chicken fried steak ever.

Cosmo
by Cosmo
Sun Dec 14, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 6530

Re: Is it safe to leave Laptop in hotel room

Hang the do not disturb sign and be done with it As a business traveler, I would advise others not to do this. Had my laptop stolen out of room b/c I had the sign hung. Guy went only to rooms where they had the signz. As a theif, Instead of going to every single room in the hotel and not knowing if...
by Cosmo
Sat Dec 06, 2014 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 7171

Re: Get up to $30 back per Amex card (Small Business Sat, 11

Can anyone confirm it works for 3 times at the same business? I plan to go to the ice cream shop and buy 3 $10 gift cards rung up 3 different times. Just heard back from my wife. She used her card twice at Ace Hardware and she got two auto-confirmations from AMEX for participating. So initially I t...
by Cosmo
Sat Nov 29, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7144

Re: Feeling very fortunate today!

Sorry to go a bit offtopic, anyone else confused with TheTimeLord/StarbuxInvestor username? Why is it showing up in two different ways? Taking a new name with each new retirement date. Just keep on the lookout for the blue phone booth. OK, thanks. And because why? Oh never mind. Have a happy Thanks...
by Cosmo
Thu Nov 27, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 70
Views: 10315

Re: Feeling very fortunate today!

Sorry to go a bit offtopic, anyone else confused with TheTimeLord/StarbuxInvestor username? Why is it showing up in two different ways?
by Cosmo
Thu Nov 27, 2014 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 70
Views: 10315

Re: Roth IRA for college savings question

I've considered a 529 plan, but if our only child doesn’t end up needing the money for college, then I don't want to pay a penalty to use the money for something else. If you mean your only child won't end up needing the money because of a potential scholarship, the entire 529 plan can be withdrawn...
by Cosmo
Thu Nov 27, 2014 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for college savings question
Replies: 16
Views: 1309

Re: Safe Withdrawal Rates - Is the 4% rule still good?

I have done some work on Safe Withdrawal Rates, that I think says the 4% rule is still very much a good starting point for retirement planning: http://seekingalpha.com/article/2709635-safe-withdrawal-rates-part-1-retirements-4-percent-rule I have given the Boglehead excellent Wiki entry on Safe Wit...
by Cosmo
Wed Nov 26, 2014 8:36 am
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rates - Is the 4% rule still good?
Replies: 84
Views: 7958

Re: Fitbit, Vivofit, or other?

It seems to me that current smartphones have all the functionality of a fitbit and much more, so what's the point besides perhaps size? I agree. But I guess I just don't really get it. My 55 year old sister will often "brag" on Facebook, "Wow, I walked 12,300 steps today!". With...
by Cosmo
Mon Nov 24, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Fitbit, Vivofit, or other?
Replies: 55
Views: 2274

Re: What percent "Boglehead" are you?

I am 50% Chech, 32.5% Boglehead, 12.5% Irish, 4% German and 1% Stupid.

Cosmo
by Cosmo
Sat Nov 22, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 120
Views: 7598

Re: Any experience on the 10 year alarm bateries

Has anyone replaced your hardwired interconnected detectors? Sure have, I also added a CO/Natural Gas detector and now are our second one of those as well. If you don't DIY I would say its about 15-20 min per detector. For 4 of them I would guess Sparky is going to hit you for 2 hours * $100 = $200...
by Cosmo
Wed Nov 19, 2014 7:50 pm
 
Forum: Personal Consumer Issues
Topic: Any experience with 10-year alarm batteries?
Replies: 17
Views: 1542

Re: Any experience with 10-year alarm batteries?

I thought about the age of my detectors. They were installed by the builder 12 years ago. There are four and are interconnected. They are hard wired to 110 volt power, but yet still have 9 volt batteries. I guess they are back up to the hard wiring. But they still go off if I do not place the batte...
by Cosmo
Wed Nov 19, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Any experience with 10-year alarm batteries?
Replies: 17
Views: 1542

Re: Is Boglehead investing becoming the conventional wisdom?

Low-cost, diversified, index fund investing seems now to be the generally accepted, "smart" way to invest. This is a good thing -- it wasn't so many years ago that costs weren't even considered, for one thing. Now it seems that everywhere I look in the lay press these basic Bogleheads pri...
by Cosmo
Sun Nov 16, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Is Boglehead investing becoming the conventional wisdom?
Replies: 23
Views: 3107

Re: Deciding When to Retire

The decision is based upon:

1) when you have enough.
2) When you had enough.

Cosmo
by Cosmo
Sat Nov 15, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deciding When to Retire
Replies: 47
Views: 5494

Re: Waitress giving me discount - ethical question

Are you single? Sounds like she wants you to ask her out. Can't you take a hint? :happy
by Cosmo
Sat Nov 15, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Waitress giving me discount - ethical question
Replies: 62
Views: 7518

Re: Bogleheads, tell me about your 40's?

I'm about a year away from turning 40. My thirties were pretty good to me - i started and stabilized my own business and witnessed the birth of my two beautiful kids, and now I find myself contemplating this "turning point" a little bit. I was just curious what the thoughtful, intelligent...
by Cosmo
Sat Nov 15, 2014 7:30 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 17116

Re: Paying off my 401K loan - Thoughts?

I am in a similar situation, and am planning to pay it off as next priority after retirement savings. I would say that if you cash flow is tight, or has competing priorities (daycare), pay it off. If not, no big deal to just make the monthly payment. I would do the exact opposite as per Livesoft, y...
by Cosmo
Wed Nov 12, 2014 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off my 401K loan - Thoughts?
Replies: 8
Views: 542

Re: Pension Early Buyout Offer

derosa wrote:Take the cash now. Put it in your pocket. You can do what you want with it.


Won't this be a taxable event though if you don't roll it into an IRA?
by Cosmo
Tue Oct 28, 2014 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension Early Buyout Offer
Replies: 20
Views: 1992

Re: Apple Pay, Google Wallet, credit, and us

Yes, you are missing something huge. Security of your transactions. Much more secure than the present 20 year old+ technology. You can debate all you want over the additional convenience it offers or whether it saves more time but the fact of the matter is NFC transactions are coming whether you wan...
by Cosmo
Thu Oct 23, 2014 5:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 9057

Re: How does one hedge against deflation?

John3754 wrote:What could one do in order to hedge against the possibility of a period of deflation?


Zero mortgage is a good start. How about renting versus purchasing a home?
by Cosmo
Sat Oct 18, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: How does one hedge against deflation?
Replies: 52
Views: 4230

Re: Mega bus vacation with toddlers.

I agree with most of the posts here. If Megabus is anything close to Greyhound in terms of the types of customers, I would be worried about my safety. Especially at 2:30am in Buffalo -like someone mentioned.

[disturbing content removed by admin alex]

Cosmo
by Cosmo
Sat Oct 18, 2014 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 2104

Re: Upgrading from Iphone 4s - 5s or 6?

I think it's time for me to upgrade. I have a 4s, and would like one of the newer phones to take advantage of some of the advances (like LTE) featured on the new Iphones. The $100 difference (w/ contract) is not a big deal, I actually prefer the smaller size of the 5s, since I keep my phone in my p...
by Cosmo
Sat Oct 18, 2014 7:50 pm
 
Forum: Personal Consumer Issues
Topic: Upgrading from Iphone 4s - 5s or 6?
Replies: 29
Views: 2347

Re: Upgraded to OS X 10.10 Yosemite

I upgraded last night. No issues thus far this afternoon. I couldn't get the "hand off" function to work with my 5S so I am not sure why. I think I may need to change a setting on the iPhone. Besides the different fonts and the flatter look to all of the icons, no complaints here. I really...
by Cosmo
Sat Oct 18, 2014 7:10 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 38
Views: 4781

Re: Best town I've never heard of [for relocating]

Hello fellow Bogleheads! I'm looking to move to a town in which to put down roots and raise a family. I've finally come to the conclusion that life is too short not to live in a place you find beautiful. So, below are some criteria I'm looking for, and I look forward to any recommendations you migh...
by Cosmo
Sun Oct 12, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 10289

Re: I'm Chuck and I work at Vanguard and Invest in Active Fu

Last year, my wife Marguerite and I got a nice deal on a house, buying it for less than what we thought it was worth. That concept plays out in the stock and bond markets as well. This is an awful analogy and smacks of rationalization. There is no comparison to buying something in the market for le...
by Cosmo
Fri Oct 10, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: I'm Chuck and I work at Vanguard and Invest in Active Funds
Replies: 44
Views: 8849

Re: Inaccurate Terminology or Description in Vanguard Statem

In August, I initiated a transfer of my Schwab Roth IRA to Vanguard Roth IRA. This is a personal account, not one tied to my employment. The transfer went through, but my activity confirmations typically include a statement of employee asset transfer . For instance, two days ago, I received a confi...
by Cosmo
Thu Oct 09, 2014 4:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Inaccurate Terminology or Description in Vanguard Statements
Replies: 3
Views: 469

Re: Are you a "maximizer" or a "satisficer"?

I find the term "satisficer" remarkably irritating. Is there no way to express the same concept using real, adult-sounding words? I tried to think of one, but after a couple minutes I figured "satisficer" is fine and gets the job done. ;-) Got to admit, I never even heard of thi...
by Cosmo
Tue Oct 07, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Are you a "maximizer" or a "satisficer"?
Replies: 52
Views: 3465

Re: Obese airline passenger

Flying is already a very stressful event for nearly everyone. Here is what it comes down to: Why should someone's obesity problem (whether medical or otherwise) also become my problem? Since this post is not actionable and will just serve to irritate folks on both sides, probably time to shut er dow...
by Cosmo
Sun Sep 28, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 5026

Re: Cast Iron Skillet Cooking

Anyone with ultimate cornbread recipes to make on cast iron skillets? I have been using the Food Network's recipe for several years -it is very fattening but sooooooo good! I use two 8 inch skillets per batch in order to get a thinner cake. http://www.foodnetwork.com/recipes/alexandra-guarnaschelli...
by Cosmo
Sat Sep 27, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 108
Views: 11170

Re: What's the riskiest Bogleheadish asset?

G-Money wrote:
livesoft wrote:Maybe it is one's home?

Or possibly one's human capital.


+1.

Without this, it would not be possible to put any savings in any of these assets, "risky" or not...

Cosmo
by Cosmo
Wed Sep 10, 2014 7:58 am
 
Forum: Investing - Theory, News & General
Topic: What's the riskiest Bogleheadish asset?
Replies: 81
Views: 7308

Re: Does your employer still offer pensions to new hires?

My company ( a major energy firm) still offers a DB plan. However, recently, they are no longer offering the more generous "80 Point" plan to new employees and they are now stuck with the "Alternative Plan", which is what I am on. In hindsight, I figured that I wouldn't be at my ...
by Cosmo
Mon Sep 01, 2014 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 4001

Re: Paper or plastic?

The single use plastic bags were gold in our house for years. That made an excellent second use for several dirty diapers per day.
by Cosmo
Mon Sep 01, 2014 8:11 am
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 3191

Re: Which generator do you have?

<snip...>even though the entire community has underground distribution lines. Cosmo Sure, but how long is the run from the nearest sub-station to your community? Those lines usually run above ground and close to roads (where cars like to run into them and trees like to fall on them :wink: )... Ours...
by Cosmo
Sun Aug 31, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 9343

Re: Which generator do you have?

I have been considering a back up 20 kw generator for the entire house for over five years now. Over the last five years, we have had perhaps 3-4 interruptions that I was aware of -10 minutes or less with the exception of one that lasted for around an hour. It really makes it difficult for me to jus...
by Cosmo
Sun Aug 31, 2014 9:29 am
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 9343

Re: Ideas for thanking a doctor

Would a moderately priced bottle of wine be inappropriate? Even if they are not a drinker, they may be an entertainer. I also like the idea of giving sweets, which could be shared among the office staff. I am ashamed to say, I never even thought of doing something like that. I have had many very goo...
by Cosmo
Sat Aug 30, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 5577

Re: Husband rear-ended, driver ignoring his insurance

Following with interest as I would be unsure what to do here as well. I am amazed at the conflicting opinions here on what seems to be relately straight forward process.

Cosmo
by Cosmo
Tue Aug 26, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5467

Re: How I beat Indexing... in 1 hour

1) Dedicate <5% of your portfolio to "play money" - In my case it was $5000 2) Open up a brokerage account with $0 trades - Merrill Edge for BofA customers 3) Scour Top 10 holdings in Vanguard/Fidelity Mid- and Small-Caps 4) Do your research! Pick companies with: - Consistent quarterly >7...
by Cosmo
Tue Aug 26, 2014 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 71
Views: 12086

Re: Paper I/EE Savings Bonds are only reissued electronicall

That applies to reissued bonds. Reissue happens in a number of situations (death, changes in title, partial redemptions, loss of original paper bonds, etc.). Obviously this could cause problems for those elderly folks without computer access (or even for those with computer access), but these folks...
by Cosmo
Sun Aug 24, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Paper I/EE Savings Bonds are only reissued electronically
Replies: 4
Views: 828

Re: Cost of an above ground pool, land prep and maintenance

OMG I can't believe all the negative responses. Death scares and worries of not getting every penny out of your investment. Sheesh. I feel these are important and legitimate considerations. You can never overstate the risks when it comes to children drowning accidents. And you are taking away some ...
by Cosmo
Sun Aug 17, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1178

Re: Cost of an above ground pool, land prep and maintenance

If we ever consider getting a pool, we would move and purchase a home that alrieady has one. Just not worth the cost for something you not going to get back when you eventually sell your home.

Cosmo
by Cosmo
Sun Aug 17, 2014 9:50 am
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1178

Re: Mortgage or pay cash

If they pay cash why would that upset their AA? Just rebalance back to 60/40. I would take a cheap ARM and plan to pay it off before the reset. One issue I see here is there could be a considerable tax liability here by selling their equities in order to rebalance -if they are in the taxable portio...
by Cosmo
Sun Aug 17, 2014 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage or pay cash
Replies: 9
Views: 1210

Re: what gender are you?

It is this simple, folks. If you are a man, select male. If you are a woman, select female. If your answer is, for one reason or another, "It's complicated.....", select other. I think we're ready to lock down this thread. The tangents that the thread has taken are getting really ridiculo...
by Cosmo
Sun Aug 10, 2014 7:13 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: what gender are you?
Replies: 27
Views: 5401

Re: Poll - Do you use Quicken?

Didn't answer. Does Mint count for Quicken?
by Cosmo
Sun Aug 10, 2014 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5595

Re: what gender are you?

Oh my god. I cannot believe how long this thread is. It is this simple, folks. If you are a man, select male. If you are a woman, select female. If your answer is, for one reason or another, "It's complicated.....", select other. Is this a legitimate problem or are people just trying to ma...
by Cosmo
Sat Aug 09, 2014 9:22 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: what gender are you?
Replies: 27
Views: 5401

Re: Best Asparagus for Florida?

Personally, I would even bother, you will be disappointed. I tried some variety for southern climates (I live in SE Texas, sorry I don't recall the variety) and it never even came up. I don't think it's worth the work. Always best to growing something that grows well in your climate. And that's why ...
by Cosmo
Tue Aug 05, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Best Asparagus for Florida?
Replies: 11
Views: 894

Re: What finance experts do you follow on Twitter?

J.Everett wrote:I signed up for a Twitter account because of this thread. I had also always considered Twitter mildly ridiculous until I realized I could just use it as a feed for awesome articles. Thanks!


Exactly! Some people get it. Others don't.

Cosmo
by Cosmo
Sun Aug 03, 2014 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What finance experts do you follow on Twitter?
Replies: 44
Views: 8506

Re: How Much Did You Lose Today?

How about the option, "This poll is dated. Since I never bothered looking then (nor do I care), I have no idea what I lost or made".

Cosmo
by Cosmo
Sun Aug 03, 2014 8:01 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15789

Re: What finance experts do you follow on Twitter?

Large quantities of short, imprecise statesments delivered over an extended time period seems like the worst possible way to talk about finance. Or really most things worth talking about. Absolutely not true. There is usually an interesting internet link embedded so there is nothing short or imprec...
by Cosmo
Sat Aug 02, 2014 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: What finance experts do you follow on Twitter?
Replies: 44
Views: 8506

Re: POLL: My home is worth less/more in 2014 than in 2007?

Not surprisingly, many folks are prepping their home for sale and cashing in while they can. Perhaps, the bubble has finally arrived here? I don't understand what this means. How do "many folks" cash in besides maybe retiring or downsizing? I am assuming most of these people need to buy s...
by Cosmo
Sun Jul 27, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 6239

Re: POLL: My home is worth less/more in 2014 than in 2007?

Not surprisingly, many folks are prepping their home for sale and cashing in while they can. Perhaps, the bubble has finally arrived here? I don't understand what this means. How do "many folks" cash in besides maybe retiring or downsizing? I am assuming most of these people need to buy s...
by Cosmo
Sun Jul 27, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 6239

Re: Using Emergency Fund to Pay off Auto Loan

epictetus wrote:i vote with keep the cash. don't pay off the loan.


Agree.
by Cosmo
Tue Jul 15, 2014 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using Emergency Fund to Pay off Auto Loan
Replies: 20
Views: 1656
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